Whether it be seemingly constant Swap rate fluctuations, a lack of available housing and a mixed-picture for first-time buyers, it’s safe to classify the UK property market in 2024 as a rollercoaster.

Now that 2025 is in full swing and fresh off the Bank of England cutting interest rates to 4.50%, the economic forecast predicts an 11% increase in gross lending and specific lending to home purchases is to reach at least £148 billion.

At LendInvest, we are committed to providing flexible mortgage solutions through our Mortgages Portal and access to expert support from our dedicated teams of Business Development Managers, Underwriters and Case Managers. 

Here’s an example of how we Cut the Complex for Key Workers:

A broker came to us seeking a loan for their clients: a couple who wanted to purchase their first home together. Both work for the NHS, and they wanted to sell their current home (owned by one of them) and buy a new home. One of the applicants, a Key Worker, already had mortgage and had participated in Scotland’s Help to Buy scheme.

Despite a couple of “blips” in their credit history, the couple met our credit criteria. However, the remaining debt they carried on their existing loans could discourage High Street lenders from approving their application.

With the entire application process carried out in our Mortgages Portal, we were able to verify the applicants’ incomes, credit histories, ID verification and our land registry search to confirm the value of the client’s home they are selling. Through our platform, our underwriting team took on the work to speed up the process and save the broker time.

The end result: we were able to approve the application and secure a loan for £171k at 90% LTV.

Thanks to our Mortgages Portal and the expert support from our dedicated Business Development Manager and Underwriter, we completed the deal in less than 2 weeks and delivered the loan before the start of the Holiday season.

How to Cut the Complex with LendInvest

At LendInvest we believe that someone’s unique situation shouldn’t keep them from owning their own home. That’s why we’re committed to supporting your clients who may not fit the criteria of High Street lenders. 

• Self-employed
• Key Workers
• Have the occasional credit “blip”
• Have alternative income streams
• Young professionals

Product features include:

• Stretched LTIs 
• Debt repayment in the loan
• Up to 90% LTV

Ready to help your client Cut the Complex and buy a new home? Contact us today or get registered in our Mortgages Portal.

LendInvest plc is a public limited company registered in England and Wales (No. 8146929). Registered

Office: 4-8 Maple Street, London, W1T 5HD.

LendInvest Mortgages and LI Mortgages are registered trading names of LendInvest Loans Limited. LendInvest Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN:737073). LendInvest Loans Limited is a company registered in England & Wales (Company No. 09971600) and is a wholly owned subsidiary of LendInvest plc.

Regulated lending is provided via LendInvest Loans Limited (Company No. 09971600). Unregulated lending is provided by LendInvest BTL Limited (Company No. 10845703) and LendInvest Bridge Limited (Company No. 11651573), which are wholly owned subsidiaries of LendInvest plc.